Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.75 | 9.13 | 10.03 | 8.42 | 10.50 | 12.54 | 9.32 | 20.89 | 11.56 | 11.78 | 10.07 | 9.67 | 14.41 | 7.83 | 8.23 | 7.59 | 10.14 | 11.64 | 7.61 | 11.19 | 16.48 |
| — | -27.2% | +7.5% | -59.7% | -9.2% | +6.4% | -7.5% | +116.1% | -19.7% | +50.4% | +22.4% | +27.3% | +42.1% | -32.7% | +8.2% | -32.2% | -38.5% | -6.6% | -41.5% | -7.4% | +209.5% | |
| P/S Ratio | 3.47 | 3.22 | 3.50 | 4.03 | 3.05 | 2.05 | 3.17 | 3.24 | 3.52 | 3.54 | 2.93 | 2.95 | 3.05 | 2.36 | 2.25 | 2.06 | 3.00 | 3.06 | 2.79 | 3.84 | 4.24 |
| — | +57.1% | +10.7% | +24.1% | -13.3% | -42.2% | +8.0% | +9.8% | +15.5% | +50.3% | +30.1% | +43.4% | +1.8% | -23.0% | -19.1% | -46.3% | -29.4% | -23.0% | -23.3% | -3.1% | +105.9% | |
| P/B Ratio | 1.34 | 1.27 | 1.36 | 1.10 | 1.14 | 1.20 | 1.10 | 0.98 | 1.60 | 1.46 | 1.27 | 1.35 | 1.32 | 1.08 | 1.05 | 1.00 | 1.53 | 1.62 | 1.59 | 1.73 | 1.65 |
| — | +5.8% | +23.4% | +12.1% | -28.6% | -17.9% | -13.1% | -27.3% | +21.6% | +35.3% | +20.9% | +35.0% | -13.7% | -33.7% | -34.0% | -42.1% | -7.4% | +7.3% | +8.1% | +14.0% | +49.3% | |
| P/FCF | 10.46 | 6.85 | 7.71 | 6.03 | 23.07 | 8.64 | 7.40 | 4.67 | — | 10.96 | 9.57 | 19.79 | 12.57 | 3.34 | 5.07 | — | 8.01 | 5.08 | 5.20 | 6.33 | 8.16 |
| — | -20.7% | +4.1% | +29.0% | — | -21.1% | -22.7% | -76.4% | — | +227.7% | +88.7% | — | +57.0% | -34.2% | -2.4% | — | -1.9% | -22.5% | -76.2% | -37.8% | +41.7% | |
| EV / EBITDA | 12.34 | 3.05 | 8.88 | 19.84 | 9.08 | 2.50 | 0.22 | -1.82 | -0.02 | 0.73 | 3.71 | 1.41 | 5.21 | 6.46 | 5.20 | 8.98 | 9.04 | 9.51 | 6.62 | 2.06 | -1.25 |
| — | +21.9% | +3930.4% | +1187.4% | +40671.3% | +240.4% | -94.1% | -229.1% | -100.4% | -88.6% | -28.7% | -84.3% | -42.4% | -32.1% | -21.3% | +336.5% | +823.2% | +268.8% | +55.7% | -68.8% | -143.7% | |
| EV / EBIT | 14.54 | 3.05 | 9.77 | 23.52 | 9.86 | 3.21 | 0.25 | -2.40 | -0.02 | 0.80 | 4.10 | 1.56 | 6.12 | 7.23 | 5.90 | 10.22 | 10.08 | 10.70 | 7.11 | 2.27 | -1.43 |
| — | -5.1% | +3796.2% | +1079.9% | +40611.8% | +299.3% | -93.9% | -254.0% | -100.4% | -88.9% | -30.5% | -84.7% | -39.3% | -32.4% | -17.1% | +349.7% | +806.0% | +269.2% | +48.5% | -69.5% | -146.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 81.9% | 96.0% | 96.4% | 100.0% | 100.0% | 60.7% | 96.7% | 83.1% | 95.2% | 95.1% | 96.0% | 97.2% | 100.0% | 98.4% | 96.0% | 93.2% | 97.4% | 93.4% | 96.4% | 102.1% | 97.2% |
| — | +58.0% | -0.3% | +20.3% | +5.1% | -36.1% | +0.7% | -14.5% | -4.8% | -3.4% | -0.1% | +4.3% | +2.7% | +5.4% | -0.4% | -8.7% | +0.1% | -8.1% | +4.5% | -0.5% | -1.6% | |
| Operating Margin | 30.5% | 44.3% | 45.0% | 23.7% | 41.0% | 21.8% | 43.4% | 18.2% | 36.7% | 37.3% | 36.4% | 37.2% | 24.1% | 37.2% | 33.5% | 32.7% | 36.5% | 32.5% | 46.2% | 40.7% | 32.2% |
| — | +103.5% | +3.7% | +29.8% | +11.5% | -41.6% | +19.3% | -50.9% | +52.2% | +0.3% | +8.8% | +13.8% | -33.8% | +14.3% | -27.5% | -19.7% | +13.2% | -15.4% | +34.1% | +5.0% | -31.9% | |
| Net Margin | 23.8% | 36.0% | 35.7% | 48.9% | 29.9% | 17.3% | 34.3% | 15.9% | 30.4% | 30.1% | 29.1% | 30.6% | 21.2% | 30.1% | 27.4% | 27.1% | 29.5% | 26.3% | 36.6% | 34.3% | 25.7% |
| — | +107.9% | +3.9% | +206.9% | -1.9% | -42.5% | +18.1% | -47.9% | +43.7% | +0.1% | +6.1% | +13.1% | -28.2% | +14.5% | -25.1% | -21.1% | +14.7% | -17.6% | +30.5% | +4.6% | -33.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.6% | 3.5% | 3.5% | 3.4% | 2.8% | 2.6% | 3.1% | 1.6% | 3.4% | 3.2% | 3.2% | 3.5% | 2.4% | 3.4% | 3.2% | 3.4% | 3.9% | 3.4% | 5.1% | 3.6% | 2.5% |
| — | +36.9% | +13.0% | +111.6% | -17.0% | -21.1% | -2.5% | -54.8% | +42.7% | -5.3% | -0.5% | +4.6% | -37.8% | +0.5% | -37.5% | -6.2% | +53.9% | +11.8% | +76.5% | +16.0% | -52.9% | |
| ROA | 1.1% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.4% | 0.3% | 0.2% |
| — | +46.3% | +24.3% | +164.1% | +21.2% | +10.0% | +36.5% | -45.0% | +47.7% | +2.1% | +2.5% | +5.6% | -37.0% | -0.4% | -37.5% | -8.1% | +34.6% | -8.0% | +43.6% | -6.9% | -60.3% | |
| ROIC | 7.5% | 2.2% | 2.2% | 0.8% | 2.0% | 1.7% | 2.0% | 0.8% | 1.7% | 1.6% | 1.5% | 1.5% | 0.9% | 1.3% | 1.1% | 1.2% | 1.8% | 1.5% | 2.3% | 1.5% | 1.2% |
| — | +33.1% | +12.0% | -4.4% | +17.1% | +3.0% | +37.6% | -43.4% | +96.2% | +22.8% | +27.1% | +20.5% | -50.6% | -12.5% | -49.7% | -17.3% | +50.5% | +6.5% | +71.6% | +6.3% | -56.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.45 | 0.44 | 0.51 | 0.49 | 0.42 | 0.46 | 0.48 | 0.86 | 0.75 | 0.96 | 1.14 | 1.13 | 1.58 | 1.21 | 1.90 | 0.98 | 1.07 | 1.11 | 1.13 | 1.12 |
| — | +9.5% | -4.1% | +8.0% | -42.8% | -44.8% | -51.8% | -58.4% | -23.5% | -52.5% | -20.7% | -39.7% | +15.7% | +48.1% | +9.2% | +67.6% | -12.5% | +20.0% | +12.3% | +10.6% | +30.2% | |
| Debt / EBITDA | 3.58 | 5.12 | 9.24 | 26.86 | 11.84 | 10.17 | 10.77 | 26.26 | 19.01 | 17.89 | 22.12 | 24.44 | 36.89 | 33.21 | 27.53 | 42.07 | 18.85 | 22.03 | 15.72 | 22.41 | 31.23 |
| — | -49.7% | -14.2% | +2.3% | -37.7% | -43.1% | -51.3% | +7.4% | -48.5% | -46.1% | -19.7% | -41.9% | +95.7% | +50.8% | +75.1% | +87.8% | -39.6% | +1.6% | -37.7% | -8.6% | +150.7% | |
| Current Ratio | 0.01 | 0.40 | 0.25 | 0.21 | 0.01 | 0.28 | 0.19 | 0.36 | 0.36 | 0.35 | 0.32 | 0.35 | 0.34 | 0.29 | 0.30 | 0.30 | 0.26 | 0.28 | 0.30 | 0.42 | 0.55 |
| — | +44.1% | +34.7% | -42.4% | -96.0% | -19.7% | -41.4% | +3.8% | +8.2% | +22.2% | +8.1% | +17.4% | +28.4% | +1.7% | -1.8% | -29.6% | -52.8% | -45.8% | -38.3% | -8.4% | +24.8% | |
| Quick Ratio | 0.01 | 0.40 | 0.25 | 0.21 | 0.01 | 0.28 | 0.19 | 0.36 | 0.36 | 0.35 | 0.32 | 0.35 | 0.34 | 0.29 | 0.30 | 0.30 | 0.26 | 0.28 | 0.30 | 0.42 | 0.55 |
| — | +44.1% | +34.7% | -42.4% | -96.0% | -19.7% | -41.4% | +3.8% | +8.2% | +22.2% | +8.1% | +17.4% | +28.4% | +1.7% | -1.8% | -29.6% | -52.8% | -45.8% | -38.3% | -8.4% | +24.8% | |
| Interest Coverage | 0.60 | 1.96 | 1.03 | 0.38 | 0.81 | 0.59 | 0.72 | 0.27 | 0.51 | 0.44 | 0.43 | 0.48 | 0.30 | 0.48 | 0.47 | 0.67 | 1.02 | 1.63 | 7.30 | 10.99 | 8.93 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying UMBF stock.
UMB Financial Corporation's current P/E is 14.8x. The average P/E over the last 4 quarters is 9.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
UMB Financial Corporation's current operating margin is 30.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking UMB Financial Corporation's business trajectory between earnings reports.